About Us:        Good day to all of you. My name is Patrick McWilliams and I am a Mortgage Banker with Dell Franklin Financial in Columbia, Maryland.  A little about myself. I am a retired Navy Senior Chief Petty Officer who served twenty years in our armed forces. Since retiring in 2006, I embarked on a second career as a mortgage banker and couldn't be happier.  Now, I am not going to sit here and tell you that I have all the experience in the world in mortgage banking, but I do have the drive and discipline to make it in the most brutal